Systems and methods for enrollment and identity management using mobile imaging

Patent metadata

Field	Value
Publication number	US-11210509-B2
Application number	US-202017064465-A
Country	US
Kind code	B2
Filing date	Oct 6, 2020
Priority date	May 12, 2010
Publication date	Dec 28, 2021
Grant date	Dec 28, 2021

Abstract

Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.

First claim

What is claimed is:

1. A method comprising using at least one hardware processor to:
receive an image of a document captured by a camera;
preprocess the image of the document based on a series of image quality and assurance (IQA) tests;
prior to extracting a set of identity data from the image of the document, receive manually entered identity data associated with an individual, and determining a location of the set of identity data within the image of the document based on the manually entered identity data;
extract the set of identity data associated with the individual from the image of the document using results of the IQA tests;
validate the extracted set of identity data to assess a quality of the extracted identity data; and
verify the extracted set of identity data to assess an identity risk of the individual to a financial services organization, wherein the identity risk is a risk that the extracted set of identity data of the individual may be unreliable.

2. The method of claim 1 , further comprising using the at least one hardware processor to organize results of the validation and verification into a mobile identity risk scorecard, wherein the mobile identity risk scorecard comprises a structured information model that indicates risks associated with the set of identity data and comprises one or more indicators which denote aspects of identity risk.

3. The method of claim 2 , wherein the one or more indicators comprise one or more numeric indicators which denote identity risk.

4. The method of claim 2 , wherein the one or more indicators comprise one or more graphical indicators which denote identity risk.

5. The method of claim 1 , wherein the method is implemented as a software library executed by the at least one hardware processor.

6. The method of claim 5 , wherein the software library is embedded in a mobile application.

7. The method of claim 1 , wherein the document is a government-issued identity document.

8. The method of claim 7 , wherein the government-issued identity document is a driver's license.

9. The method of claim 7 , wherein the government-issued identity document is a passport.

10. The method of claim 7 , wherein the government-issued identity document is a military identification card.

11. The method of claim 1 , wherein preprocessing comprises cropping the image of the document.

12. The method of claim 1 , wherein preprocessing comprises de-skewing the image of the document.

13. The method of claim 1 , wherein preprocessing comprises de-warping the image of the document.

14. The method of claim 1 , wherein preprocessing comprises converting text in the image of the document into reverse text.

15. The method of claim 1 , wherein preprocessing comprises creating one or more bi-tonal images from the image of the document.

16. The method of claim 1 , wherein extracting the set of identity data comprises:
calculating a confidence score for each of a plurality of fields; and
individually highlighting each of the plurality of fields for which the calculated confidence score is below a fixed value.

17. The method of claim 1 , wherein extracting the set of identity data comprises applying a rules engine to handle exceptions in fields of the identity data.

18. The method of claim 1 , further comprising using the at least one hardware processor to:
automatically populate fields of an enrollment form for a transaction based at least in part upon the extracted set of identity data;
create a new financial account based on the enrollment form; and
fund the new financial account by
capturing an image of a check or credit card,
extracting at least an account number from the image of the check or credit card, and
initiating a transfer of funds to the new financial account from an existing financial account associated with the extracted account number.

19. A system comprising:
at least one hardware processor; and
one or more software modules that are configured to, when executed by the at least one hardware processor,
receive an image of a document captured by a camera,
preprocess the image of the document based on a series of image quality and assurance (IQA) tests,
prior to extracting a set of identity data from the image of the document, receive manually entered identity data associated with an individual, and determining a location of the set of identity data within the image of the document based on the manually entered identity data,
extract the set of identity data associated with the individual from the image of the document using results of the IQA tests,
validate the extracted set of identity data to assess a quality of the extracted identity data, and
verify the extracted set of identity data to assess an identity risk of the individual to a financial services organization, wherein the identity risk is a risk that the extracted set of identity data of the individual may be unreliable.

20. A non-transitory computer-readable medium having instructions stored thereon, wherein the instructions, when executed by a processor, cause the processor to:
receive an image of a document captured by a camera;
preprocess the image of the document based on a series of image quality and assurance (IQA) tests;
prior to extracting a set of identity data from the image of the document, receive manually entered identity data associated with an individual, and determining a location of the set of identity data within the image of the document based on the manually entered identity data;
extract the set of identity data associated with the individual from the image of the document using results of the IQA tests;
validate the extracted set of identity data to assess a quality of the extracted identity data; and
verify the extracted set of identity data to assess an identity risk of the individual to a financial services organization, wherein the identity risk is a risk that the extracted set of identity data of the individual may be unreliable.

Assignees

• Mitek Systems Inc

Inventors

• Nepomniachtchi Grigori
• Debello James
• Strange Michael
• Diamond Michael E

Classifications

• G06V30/133

  Evaluation of quality of the acquired characters · CPC title

• G06V30/413

  Classification of content, e.g. text, photographs or tables · CPC title

• G06Q20/3276 Primary

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06V30/10

  Character recognition · CPC title

• G06Q20/042

  characterized in that the payment protocol involves at least one cheque · CPC title